Legal Subjectivity:

Obligating a credit card of RMB 20,000 will generally not lead to jail time, but the debtor will need to bear civil responsibilities such as repayment of principal and interest. If the debtor fails to repay the debt within the due date, the creditor may sue the court in accordance with the law, and may apply to the court for enforcement after winning the lawsuit. If the debtor has the ability to perform but refuses to perform, if the circumstances are serious, it will constitute the crime of refusing to perform the judgment and may be imprisoned. Legal objectivity:

Article 676 of the "People's Republic of China and Civil Code" If the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations. Article 678 of the "People's Republic of China and Civil Code" The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made. Article 120 of the Civil Procedure Law of the People's Republic of China shall submit a complaint to the People's Court and submit copies according to the number of defendants. Article 313 of the "Criminal Law of the People's Republic of China": Anyone who is capable of executing the judgment or ruling of the People's Court but refuses to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, or a fine; if the circumstances are particularly serious, , shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.